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Disability and Financial Inclusion in India: Rights, Access, and Realities

In: Financial Inclusion for Viksit Bharat

Author

Listed:
  • Shilpi Mayank Awasthi

    (Yuvaan Research Foundation)

  • Tanwi Shams

    (National Law University (Odisha), Centre for Disability Law and Advocacy)

  • Rilina Basu Banerjee

    (Jadavpur University, Department of Economics)

  • Vikas Dixit

    (Jadavpur University, Department of Economics)

  • Joan Maria E. I.

    (Sree Sankaracharya University of Sanskrit, Department of English)

Abstract

This chapter critically examines the intersection of disability and financial inclusion in India, highlighting systemic barriers and policy responses. Grounded in constitutional and international human rights frameworks, it explores how persons with disabilities (PwDs) remain marginalized in India’s financial ecosystem despite progressive legislation like the Rights of Persons with Disabilities Act, 2016. The chapter delves into socio-economic and demographic profiles of PwDs, revealing disparities in education, employment, and access to financial services. It evaluates legal and policy foundations, including global commitments (UNCRPD, SDGs), national schemes (Accessible India Campaign, DAY-NRLM), regulatory interventions by RBI, IRDAI, and SEBI, and legal interventions from time to time by Supreme Court and High Courts. Despite these efforts, persistent gaps in digital accessibility, attitudinal biases, and infrastructural inadequacies hinder meaningful inclusion. Drawing on lived experiences and stakeholder interviews, the chapter underscores the need for early financial education, inclusive employment practices, and universal design in financial services. It calls for systemic reforms to ensure that PwDs are not only included but empowered as equal participants in India’s journey toward inclusive development under Viksit Bharat @2047.

Suggested Citation

  • Shilpi Mayank Awasthi & Tanwi Shams & Rilina Basu Banerjee & Vikas Dixit & Joan Maria E. I., 2026. "Disability and Financial Inclusion in India: Rights, Access, and Realities," Springer Books, in: Vikas Dixit & Rilina Basu Banerjee & Nisar Ahmad Khan (ed.), Financial Inclusion for Viksit Bharat, chapter 6, pages 189-276, Springer.
    • Handle: RePEc:spr:sprchp:978-981-92-0807-4_6
    DOI: 10.1007/978-981-92-0807-4_6
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